Banking Industry: 100%
Saudi Arabia: approx. 95%
International Markets: approx. 5% (estimated)

Bank Albilad is one of the leading banks in Saudi Arabia and generates the majority of its revenues from the domestic market. The bank is mainly active in the banking sector and offers a variety of financial services, including retail banking, corporate banking, and Islamic financial products.

The largest market for Bank Albilad is Saudi Arabia, accounting for approximately 95% of its revenues. International markets play a minor role, with a small percentage of revenues coming from abroad, mainly through services for Saudi customers abroad or through limited international business activities. The exact proportions may vary, but the focus remains strongly on the domestic market.

Production Sites: Not applicable

Bank Albilad is a Saudi Arabian bank and not a manufacturing company. Therefore, it does not produce physical products. Instead, it offers financial services including banking services, Islamic financial products, and investment solutions.

The bank's services are mainly provided in Saudi Arabia, where it operates its branches and digital platforms to serve customers throughout the kingdom.

Capital Increase: 20% (2024)
Digitalization Investments: 500 million SAR (2024)

Bank Albilad is pursuing a growth strategy that heavily relies on digitalization and technological innovation. In 2024, the bank carried out a capital increase of 20% to finance its investments in digital platforms and services. These investments amount to approximately 500 million SAR and aim to enhance customer experience and increase the efficiency of banking processes.

Furthermore, the bank plans to expand its presence in retail banking and introduce new products in the field of Islamic financial services. These strategic initiatives are intended to increase market share and boost profitability.

In addition, Bank Albilad is focusing on expanding into new geographical markets, particularly in the Gulf region, to capitalize on growth opportunities in that area.

Commodities/Materials: No specific commodities

Bank Albilad is a financial institution and not a manufacturing or processing industry, therefore it does not import physical commodities or materials. Banks are primarily engaged in providing financial services, including loans, deposits, investment services, and other financial products.

If you need information about the financial services or investment strategies of the bank, I am happy to assist.

Market Share: Estimated 5% in the Saudi banking sector (2025)
Return on Equity (ROE): 14% (2024)
Customer Satisfaction: 85% (2024, internal survey)

Bank Albilad has a moderate competitive advantage in the Saudi banking sector. With an estimated market share of 5%, it is among the medium-sized banks in the country. The 14% return on equity indicates that the company operates efficiently and performs well compared to some competitors.

Another advantage is the high customer satisfaction, which points to a strong customer loyalty program and high-quality services. This could help the bank further solidify and expand its position in the market.

However, Bank Albilad operates in a highly competitive market where larger banks with more extensive resources are also vying for market share. To strengthen its competitive advantage, the bank could invest in digital innovations and expanded services.

Institutional Investor Share: 45% (estimated 2025)
Insider Purchases: No significant purchases (last year)
Insider Sales: 2% of shares (last year)

The institutional investor share at Bank Albilad is estimated to be around 45%. This demonstrates a solid confidence from institutional investors in the long-term stability and growth potential of the bank.

There were no significant insider purchases in the last year, which could indicate that the management does not see significant undervaluation of the stock. However, about 2% of shares were sold by insiders, which could suggest profit-taking or personal financial decisions.

Market share of Bank Albilad: Estimated 4.5% (2025)

Top competitors and their market shares:

1. Al Rajhi Bank: Estimated 20% (2025)
2. National Commercial Bank (NCB): Estimated 18% (2025)
3. Riyad Bank: Estimated 10% (2025)
4. Samba Financial Group: Estimated 9% (2025)
5. Banque Saudi Fransi: Estimated 8% (2025)

Moat of Bank Albilad: Bank Albilad has a moderate moat, mainly due to its specialization in Islamic banking and strong customer loyalty. However, the 4.5% market share indicates that the moat is limited compared to larger banks like Al Rajhi Bank or NCB, which have established brands and extensive networks.

Comparison of moats: Al Rajhi Bank and NCB have significant advantages due to their size, extensive branch networks, and strong brand presence, giving them a larger moat. These banks benefit from economies of scale and a wide product portfolio that helps them secure and expand market shares.

Overall, Bank Albilad has a smaller moat compared to the leading banks, making it challenging for them to gain significant market shares. Nevertheless, their specialization in Islamic banking can be considered a niche advantage that is attractive in certain customer segments.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 13.5% (2024)

Bank Albilad recorded solid revenue growth of 8.5% in 2024, attributed to strong demand for its financial services and effective expansion into new market segments. The 10.2% profit growth indicates that the bank operates efficiently and manages its costs well.

The 13.5% return on equity suggests that the bank is able to effectively utilize its resources to provide shareholders with an attractive return. This metric is an important indicator of a company's profitability and efficiency.

Additionally, in recent years, Bank Albilad has invested in digital transformation and innovative financial products, strengthening its competitiveness in the market. These strategic initiatives could lead to further growth and a stronger market position in the long term.

Overall, the current financial metrics and strategic initiatives indicate that Bank Albilad could be a promising investment, especially for investors interested in a stable and growth-oriented financial institution.

Dividend Yield: 3.5% (estimated for 2025)

Dividend History: Regular payouts since 2018

In recent years, Bank Albilad has pursued a consistent dividend policy and regularly distributed dividends to its shareholders. The dividend yield of 3.5% in 2025 indicates an attractive return for investors seeking stable income.

The reliability of the payout is supported by the bank's solid financial performance and strong capital base. Analysts expect that the bank will continue to distribute dividends at a similar level in the coming years, provided that no significant economic or regulatory changes occur.